Punchanpur is a branch of Bihar Gramin Bank located in Gaya district, Bihar (PIN 824236). For any electronic fund transfer — NEFT, RTGS or IMPS — the IFSC code identifies the exact bank and branch where the beneficiary holds the account. Using the correct IFSC avoids delays, failed transactions and misrouting of funds.
Branch Details Table
| Bank Name | Bihar Gramin Bank |
| Branch Name | PUNCHANPUR |
| IFSC Code | PUNB0MBGB06 |
| MICR Code | 800811002 |
| Branch Code | 7256 |
| Branch Address | PUNCHANPUR, Gaya, 824236, 9771464256 |
| Contact Number | 9771464256 |
| City | Gaya |
| District | Gaya |
| Reason | GAYA |
| Pincode | 824236 |
| State | Bihar |
Merger Update
Bihar Gramin Bank uses the IFSC PUNB0MBGB06 under Punjab National Bank (PNB). If this branch previously appeared under Uttar Bihar Gramin Bank (UBGB) or Dakshin Bihar Gramin Bank (DBGB), note that both regional banks have been merged into a single entity for IFSC/routing purposes. The consolidated IFSC now in use is PUNB0MBGB06 (PNB-sponsored). Old UBGB or DBGB IFSC codes have been revoked. For NEFT/RTGS/IMPS do not use the old codes — use only PUNB0MBGB06 to prevent failures or returns.
What is IFSC Code?
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code used to route electronic payments in India. The structure is:
- First 4 characters — bank identifier (for example, PUNB = Punjab National Bank).
- 5th character — always 0 (reserved for future use).
- Last 6 characters — branch identifier. These can be letters, numbers, or both (for example, in PUNB0MBGB06, the last six characters are MBGB06).
Note: The branch code shown in bank records (here 7256) is an internal numeric code and may not match the literal last six characters of the IFSC. The IFSC’s last six characters are the official branch identifier used for electronic routing.
How to Use IFSC Code
Follow these steps when sending money to this branch by NEFT, RTGS or IMPS:
- Collect beneficiary details: account name, account number and IFSC PUNB0MBGB06. Confirm branch name: PUNCHANPUR, Gaya.
- Log in to your bank’s internet banking, mobile app or visit the branch. Choose the transfer type (NEFT / RTGS / IMPS).
- Add the beneficiary if not already added. Enter the account number exactly and paste the IFSC. For IMPS provide the beneficiary’s mobile number if required.
- After adding, wait for beneficiary activation (some banks require a verification window or OTP confirmation).
- Initiate the transfer. Keep the transaction reference number for tracking.
- If a transfer fails or is returned, contact your bank with the reference number and verify the IFSC and account number used.
Practical notes:
- NEFT is suitable for low to medium amounts; RTGS is intended for larger-value transfers (many banks treat RTGS for transfers commonly ₹2,00,000 and above). IMPS is instant and available 24×7 for small to medium amounts, subject to bank limits.
- Always re-check the IFSC and account number before final confirmation to avoid misrouting.
Benefits of Knowing the IFSC
- Ensures funds reach the correct branch and account without delay.
- Required field for online transfers (NEFT, RTGS, IMPS).
- Reduces chances of returns or manual intervention by the bank.
- Helps reconcile payments and verify beneficiary details before transfer.
- Useful for setting up electronic mandates, salary credits or vendor payments.
Contact
Branch Phone No: 9771464256
Branch Address: PUNCHANPUR, Gaya, 824236
Head Office Address: SHRI VISHNU COMMERCIAL COMPLEX, ASOCHAK, PATNA-800030, BIHAR
Toll Free No: 18001807777
FAQs
Q: What is the exact IFSC for Bihar Gramin Bank, Punchanpur?
A: The IFSC is PUNB0MBGB06. Use this for NEFT, RTGS and IMPS transactions to the Punchanpur branch.
Q: Can I use an old UBGB or DBGB IFSC for transfers to this branch?
A: No. Old UBGB/DBGB IFSCs have been revoked after the merger. Only PUNB0MBGB06 is valid now. Using old codes can cause transaction failures or returns.
Q: Is IFSC case-sensitive?
A: No. Systems typically treat IFSC in a case-insensitive way, but entering it in upper case (as printed) avoids confusion: PUNB0MBGB06.
Q: What if my transfer shows success but beneficiary hasn’t received funds?
A: Keep the transaction reference number. Contact your bank and provide the reference, beneficiary account number and IFSC. Your bank will trace the transaction. Delays may occur due to incorrect details, inter-bank clearing times, or verification holds.
Q: How does the branch code (7256) relate to the IFSC?
A: The numeric branch code 7256 is an internal identifier used by the bank. The IFSC’s last six characters (MBGB06) are the official branch identifier for electronic routing. Both point to the same branch in the bank’s systems.
Kritti Kumari is a banker and MBA graduate who writes about banking, finance, and customer-friendly services. She simplifies complex financial products into easy guides, helping readers understand Bihar Gramin Bank’s offerings and make smarter money decisions.